Heather.Duffelmeyer William Raveis moves homes in the Hudson Valley

05/18/2026

05/18/2026

Beautiful 4 Bedroom 4 bathroom Colonial in Holmes NY. Make your appointment today!

04/14/2025

Get In Touch! Explore what awaits you in this new season. Give me a call!

05/06/2024

So proud and thankful for Ryan and his fellow graduates who have accepted the call to serve their country.
# Citadelstrong

The United States Armed Forces now have more than 140 new officers. Held on Friday, May 3, during a joint commissioning ceremony, approximately 30% of the Class of 2024 accepted commissions into the Army, Navy, Marine Corps, Air Force and Space Force. This year's joint ceremony was held in McAlister...

05/06/2024

04/27/2024

Understanding your Private Mortgage Insurance (PMI) rates can help you make informed decisions on your home buying journey. Here are 5 key factors that influence your PMI rates:
1. **Down Payment**: A larger down payment means lower PMI costs, while a smaller down payment results in higher premiums. Aim for a substantial down payment to save on PMI in the long run.
2. **Credit Score**: Your credit score plays a crucial role. Higher scores indicate greater creditworthiness, leading to lower PMI premiums. Keep your credit in good shape to secure favorable rates.
3. **Property Appreciation**: In areas with rising property values, your PMI rates may decrease over time as your home’s value appreciates. Conversely, declining markets could lead to higher premiums. Keep an eye on local property trends.
4. **Loan Type**: Different loan types come with varying PMI rates. Conventional mortgages may have higher premiums compared to FHA loans, which are backed by the Federal Housing Administration.
5. **Borrower Occupancy**: Owner-occupied properties typically have lower PMI premiums than rental or investment properties. If you’re planning to live in the home, you may enjoy reduced PMI costs.
Got questions about PMI or your mortgage options? Reach out to today for expert advice and guidance. Your dream home might be closer than you think!

04/13/2024

Why rent when you can buy? Here’s why buying is the ultimate win:
Stability & Freedom: Enjoy the freedom to personalize your home, make upgrades, and create the perfect sanctuary for you and your loved ones.
Invest in Your Future: With homeownership, every dollar you spend goes towards building equity and long-term wealth.
Tax Benefits: Buying a home opens the door to potential tax advantages, putting more money back in your pocket come tax time.
Appreciation: Historically, real estate values tend to appreciate over time, offering the potential for a lucrative return on investment down the road.
Low Down Payment Options: Don’t let the down payment be a barrier. Explore our low-down payment programs, making homeownership more accessible than ever.
Ready to make the switch from renting to owning? Reach out to and let us help you find the perfect place to call home!

03/18/2024

My twin sister's new book, get your copy soon!